Date Received: 2023-10-03
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was scammed by offshore XXXX XXXX for over about {$11000.00} and the website doesn't exist anymore XXXX I had begun my dispute processes for over 6 months now and they have only resolved 2 disputes in my favor so far with case numbers : I was also scammed by XXXX which is a XXXX software company that provided fraudulent claims about their softwares that seem to work and make money. All was fluff for sales, basically a scam. They have again resolved only 2 disputes in my favor so far with these case numbers : XXXX & XXXX. I was lastly scammed by a XXXX based software company that also has claimed to be the best software that trades the XXXX market for you called " POW '' All these scams are obvious and they are known, I personally had no idea but to try them all out and literally lose much more money than even the investment itself yet the credit card company ( XXXX 's credit card provider ) always resolves the disputes in the merchant 's favor even when they're common sense and obvious scams that are well known by now.
Company Response:
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My name XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : {$8600.00} On XX/XX/XXXX I requested XXXX and I was told told it would take XXXX to 3 days.Well I called every Day.On the third day they reversed it and basically was like I never even did it.So I called back an said I wan na close my account from then on they have made it where I have no access to no of this money.There going as far as saying they can't verify me but I have answered every single security question and it's all on there recorded line.And I have the XXXX digit pin they've sent me several times.
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I bought doors and a window from XXXX by XXXX. They installed the wrong patio doors. XXXX XXXX XXXX agreed to replace the wrong patio doors but it would take about 6 months to rebuild them. A couple of months later our house burned down. I advised XXXX By XXXX that we still wanted the doors for the house we were going to rebuild. In XXXX XXXX By XXXX advised Green Sky that they had installed the doors and requested Green Sky to pay them for the door. Green Sky pay them. The house was not built yet the only thing that was there was the foundation. I advised Green Sky of this and in accordance with the agreement with XXXX By XXXX I did not have to pay for the doors until they were installed. Green Sky put my loan into collection which lowered my credit rating from the mid XXXX to XXXX making me unable to get a loan for my rebuild. When Green Sky was made aware of this they refused to restore my credit rating and said it was up to me to take care of it.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!
Company Response:
State: FL
Zip: 32901
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: unauthorized usage of my credit I see multiple inquiries being done without my consent and I'm not the one applying.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I had a previous Apple Card with Goldman Sachs that was closed back in XXXX or XX/XX/2023. There was an open dispute on the card that was later found in my favor and closed out in XXXX. Goldman Sachs ( by their own admission ) failed to close the dispute properly, so despite my card being closed it is hung up in the Apple wallet and is preventing me from reapplying for another Apple Card. I have been working with Apple and Goldman Sachs since last XXXX XXXX to get this resolved. I have submitted XXXX escalated tickets on Goldman Sachs side to get the dispute dispositioned correctly and closed out in there system so that I can reapply for a new card. I continue to be given the run around. I am told tickets usually take 10 days, however, the last one was given XXXX and still didnt have any additional progress and resulted in another two tickets being submitted. I have talked to several additional Goodman Sachs representatives ( including supervisors ) who tell me there is no eta for a fix, the area that has to correct the problem is outside of customer service, they do not have a direct line to them and can not call anyone for an update or answer and the only method of correction is to submit yet another ticket so they know the issue hasnt been corrected. There is XXXX reason that XXXX months have gone by and this is still unresolved because of an issue Goldman Sachs told me is a known issue because their disputes system sucks and cases dont always close properly. If this is the case, then a resolve should take less time than what is currently transpiring, the continued lack of assistance and prevention from applying for credit which I qualify for is unacceptable.
Company Response:
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I opened a savings account with Marcus by Goldman Sachs through referral. I transferred {$10000.00} into the account on the next day and an additional {$30000.00} the day after. On XX/XX/XXXX I opened their app to check if the second transaction had been processed, only to find my account had been locked without any email notice or reason given. I called customer service several times throughout the day and the agent said it was because they couldn't verify my phone number ( which I have been using for XXXX years without any problem and which I used to call them ). The solution was they would mail me an affidavit for me to sign and mail back, and the whole process is going to take at least a month. I also asked whether my {$30000.00} transaction would still be processed and they said no. Since having them hold my {$10000.00} for a month was not too unacceptable, I did not do anything further and decided to wait for the affidavit. On XX/XX/XXXX, I checked my other account with another bank, only to find the {$30000.00} had still been processed despite what the agent told me. So now Marcus will be keeping my {$40000.00} for at least a month without paying any interest- which is unacceptable. I will need the money to pay for my tuition soon, and I truly don't know what to do. I called the customer service again and they said there is nothing they can do either.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my card in full XX/XX/2023. Balance after payment stated XXXX They stated something about trailing interest in my call today XX/XX/2023 and that I owed {$2.00}. They reported to credit bureau and my credit score dropped tremendously.
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX. Opened a no-penalty CD around XX/XX/2023 ; XXXX. Closed the non-penalty CD around XX/XX/2023 ; and XXXX. Did not receive the full interest earned upon CD closure. I called customer service several times regarding the lost interest earned. The lost interest was significant. CSR told me that tax was withheld but I did not choose to withhold tax at withdrawal when the CD was opened. The lost interest amount was even greater than the associated " taxes '', assuming it was withheld. I asked XXXX for the signed XXXX XXXX trying to show them I did not choose to withhold taxes. XXXX said that they could not provide it since my CD account had already closed. They created a couple of tickets to address but the contents of the tickets misled.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to bring to your attention a matter of serious concern and seek your prompt intervention in rectifying an erroneous credit delinquency report on my account, which transitioned from XXXX XXXX to Goldman Sachs in XX/XX/2022 under the XXXX XXXX XXXX. Despite my history as a responsible and compliant account holder with XXXX XXXX for eight years, the transition to Goldman Sachs brought about unanticipated challenges that have gravely impacted my credit report. Inaccessibility to XXXX XXXX Account : During the transition, I was unable to access my account, hindering me from managing my balance, bills, and other related matters. Failure to Receive New Card : Despite numerous communications with Goldman Sachs ' customer support, the delivery of my new card was mismanaged due to an outdated address error on their part. Delays in Issue Resolution : The misdelivery caused further delays in receiving my new card and accessing the new Marcus account, despite multiple assurances from the bank 's support staff. Erroneous Credit Report Delinquency : An unwarranted credit report delinquency was reported during this period, which I promptly settled upon gaining account access, but the delinquency record persisted. Adverse Impact on Mortgage Application : This incorrect delinquency report is now adversely affecting my mortgage application for a home purchase. Unfruitful Resolution Attempts : Despite my earnest efforts to resolve this with the concerned parties, I have encountered resistance and inaction. Moreover, the delinquency was re-reported on my credit report even after submitting two complaints to the Consumer Financial Protection Bureau ( CFPB ) whereupon the bank acknowledged a technical error and refunded the outstanding amount to my credit card account. It is perplexing and unacceptable that the delinquency has re-emerged on my credit report despite these remedial actions. I hereby urge your immediate attention and action to rectify this erroneous delinquency reporting. It's imperative that this issue is resolved expeditiously to prevent any further detriment to my creditworthiness, and to facilitate my ongoing mortgage application process. Should this matter remain unresolved in a timely manner, I am prepared to pursue legal action against the bank to ensure the removal of this unjust delinquency from my credit report, as it stands as a significant obstacle in my home purchasing endeavor. Enclosed are the relevant documents supporting my claims. I am keen on working collaboratively to resolve this matter and I am available for any further discussions or document submissions as may be required. I look forward to your prompt response and action to rectify this unfortunate situation. Thank you for your attention to this critical matter. Sincerely, XXXX XXXX Enclosures : Statement from GoldmanSachs from my previous CFPB complaint admitting fault. Dispute results with XXXX. XXXX XXXX credit drop. Marcus ( GS ) credit card statement that shows reversal.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A